If you get insurance through work, there is zero choice. You are locked into you're companies decisions. You may say, 'well you can opt out', but the deck is

If you get insurance through work, there is zero choice. You are locked into you're companies decisions. You may say, 'well you can opt out', but the deck is really stacked against you trying to go it alone. This is one of the ways that employees are 'locked in' to jobs and become immobilized from seeking better jobs. The insurance is a type of 'capture'.